Empowering your financial future is our business.

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We are a Registered Investment Advisor firm, servicing the Tidewater, Virginia area since 2015 as a fiduciary.

The Five Keys to Your Future Dreams

Do you see a dream in your mind's eye for retirement and wonder how to make it REAL?

These five keys are the roadmap to making your dream a reality.

Key One - Risk Tolerance

What wakes you at night? Complete our risk questionnaire and we'll use that data to develop a 3-page report revealing your personal risk tolerance number.

Key Two - Risk Capacity

If you stop working now, can your live your dream? Meet with your advisor to discuss the findings in your Risk Tolerance Report and discover your Risk Capacity Score.

Key Three - Portfolio Analysis

Will your current assets survive the next down-market? We'll provide the tools needed to analyze your current portfolio assets. The automatically generated report will include risk score, diversification, and attribute details.

Key Four - Risk Protection

Your advisor will meet with you to discuss protection from these common asset-draining nightmares: IRS, Down Markets, Bad Luck, Long Term Care, Death or Divorce

Key Five

Schedule an appointment to sit down with your advisor to start building a financial plan designed to help you live the future you’ve always dreamed of.

To Get Started, Select Your Advisor

Meet the October Effect, Ltd. Team

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.

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" The conventional view serves to protect us from the painful job of thinking "

— John Kenneth Galbraith